SERVICE AGREEMENT
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This Service Agreement entered into this 31st day of March, 2000 by and between
Intercallnet Teleservices, Inc., a Florida Corporation with offices at 1250 E.
Hallandale Beach Blvd., Penthouse Suite, Hallandale, FL 33009, ("TELEMARKETER")
and Contact Management Solutions, Inc. with offices at 345 S. State Rd. 7,
Margate, FL 33068, (hereinafter "CLIENT"). This Agreement shall be effective as
of the date of signature of the last party to sign ("Effective Date").

TELEMARKETER agrees to conduct its marketing services on behalf of the CLIENT
and it's clients in accordance with all applicable Federal, State, and Local
laws governing advertising, marketing practice, and the transaction of business
by mail, telephone and all other forms involving the use of print or broadcast
media. These include, but are not limited to, the laws and regulations of the
United States Postal Service, Federal Communications Commission, Federal Trade
Commission and the Federal Reserve Board.

I.   PROGRAM DESCRIPTION
The Program is designed for the CLIENT's client to meet the agreed-upon
objectives. Specific tasks associated with the proposed Program to be included
within the format are outlined on Schedule "A", attached hereto. Subsequent
programs and projects shall be evidenced by schedules which schedules will be
attached to this Agreement and be deemed incorporated herein.

II.  PRICING AND SERVICES
Pricing is based on the complexity, duration, type and volume of services
required. Specific prices and compensation to be paid by the CLIENT to the
TELEMARKETER for the Program and all subsequent programs shall be included on
schedules attached hereto.

III. PAYMENT TERMS
CLIENT agrees to pay TELEMARKETER for the services performed hereunder upon
receipt of a bi-monthly invoice, net due 30 days upon receipt of such stated
invoice. CLIENT shall not be responsible for any late charges for late payments
from its clients outside of CLIENT control.

IV.  QUALITY ASSURANCE AND WARRANTIES
TELEMARKETER agrees to use its best efforts at all times to provide prompt and
efficient service. TELEMARKETER'S standard of performance will be at least that
of an industry standard, well-operated telemarketing facility.

A comprehensive system of observation and monitoring will be employed.
TELEMARKETER will provide the CLIENT or it's clients with silent remote
monitoring of phone presentations from remote locations as requested from time
to time or on Telemarketer's premises as requested by CLIENT. Quality Assurance
includes number checks, test calls and/or on-line script reviews. In the event
that third party verification is not available, TELEMARKETER agrees to listen to
100% of all sales verification recordings within 12 hours of the sale, and
before submitting the sale to CLIENT for fulfillment. All sales verifications
will comply with the guidelines outlined in the project blue print of this
agreement. Should TELEMARKETER fail to be able to accommodate this, they will
notify an appropriate party as designated by CLIENT.

TELEMARKETER represents and warrants to the CLIENT and it's clients that
TELEMARKETER has and will continue to maintain all necessary licenses, permits
or approvals required by itself or its employees in order to permit or authorize
them to perform the services called for under this Agreement in each and every
jurisdiction having authority over the services TELEMARKETER performs under this
Agreement.


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V. CONFIDENTIALITY
TELEMARKETER agrees that for the purposes of this Agreement all information it
receives from CLIENT in connection with this Agreement constitutes confidential
information. CLIENT shall not be required to label such information as
confidential. The parties have already executed an agreement dealing with
confidentiality.

TELEMARKETER agrees that the confidential information is the property of CLIENT
and that it will keep the confidential information in a confidential fashion and
shall not disclose the same to any third party except as may be provided
elsewhere in this Agreement. All confidential material including lists, scripts,
etc, will be returned to CLIENT at the end of the project, or earlier upon
request.

TELEMARKETER further agrees that it shall use the confidential information only
as required to perform the services it is contracted by to perform in connection
with this Agreement.

TELEMARKETER further agrees that it shall limit the dissemination of the
confidential information within its own organization to such individuals whose
duties justify their need to know such information, and then only provided that
there is a clear understanding by such individuals of their need to maintain the
confidential and proprietary nature of such information and to restrict its uses
to the purposes specified herein.

VI.  ASSIGNMENT
TELEMARKETER may not assign or otherwise transfer this Agreement or its rights
hereunder to any party without CLIENT's advance written consent, such consent
shall not be unreasonably withheld. CLIENT may assign this Agreement without the
consent of TELEMARKETER to (i) or its legal successors, (ii) any affiliate of
CLIENT (or their legal successors), (iii) in connection with a sale of
substantially all of the assets, stock sale, merger or other corporate
reorganization relating to the CLIENT (or their legal successors). CLIENT may
enter into subcontracts relating to the Services in its discretion. Any
attempted assignment in violation of this paragraph shall be null and void.
Without limiting the generality of the foregoing, this Agreement shall be
binding upon and inure to the benefit of the parties' respective successors and
assigns.

VII.  NON-SOLICITATION
During the term of each program set forth, in the applicable Schedule "A" and
for a period of one (1) year thereafter, TELEMARKETER shall not, directly or
indirectly, solicit or cause to be solicited, any person or entity specifically
identified under "Non-Solicitation" in Schedule "A". Likewise, during this
period TELEMARKETER shall not sell or market, for its own account or the account
of another, that person or entities' products or services. During the period in
which the program is in place, TELEMARKETER shall not, without prior written
consent from CLIENT, conduct marketing services for another client in the same
industry at the same facility in which TELEMARKETER is conducting the program
for CLIENT.

The provisions of this Section shall not apply in the event TELEMARKETER
terminates this Agreement as a result of a breach of this Agreement by CLIENT,
including as a result of any failure to satisfy the payment terms set forth in
Section II hereof.

VIII.  INDEMNIFICATION
1) CLIENT shall and hereby does indemnify, defend and hold TELEMARKETER harmless
against any and all claims, lawsuits, and proceedings, as well as any losses,
damages, penalties, fines, settlements, costs (including, but not limited to
attorney's fees), which may result from or arise out of CLIENT's performance
under this agreement; except to the extent that such claims, lawsuits,
proceedings, losses, damages, penalties, fines and settlements and costs result
from or arise out of an act of commission or omission by CLIENT, its agents
and/or its employees.

2) TELEMARKETER shall and hereby does indemnify, defend and hold CLIENT harmless
against any and all claims, lawsuits, and proceedings, as well as any losses,
damages, penalties, fines, settlements, costs (includ9ing, but not limited to
attorney's fees), which may result from or arise out of Telemarketer's
performance under this agreement; except to the extent that such claims,
lawsuits, proceedings, losses, damages, penalties, fines and settlements and
costs result from or arise out of an act of commission or omission by CLIENT,
its agents and/or its employees.

IX.  GOVERNING LAW
This Agreement shall be construed in all respects under the laws of the state of
FLORIDA. If any part of this Agreement shall be held to be void or
unenforceable, such part will be treated as severable, leaving valid the
remainder of this Agreement notwithstanding the part or parts found to be void
or unenforceable.

X.  ENTIRE AGREEMENT
The parties acknowledge that his Agreement is the complete and exclusive
understanding between the parties and no change or modification shall be made
except in writing.

XI.  RELATIONSHIP
Nothing contained herein shall be construed to create the relationship of
employer and employee between TELEMARKETER and CLIENT or between CLIENT and any
of Telemarketer's employees or agents. It is the express intent of the parties
hereto that TELEMARKETER is not an employee of CLIENT for any purpose, but is an
independent contractor for all purposes and in all situations. TELEMARKETER and
TELEMARKETER employees shall not represent that they are employees of CLIENT,
nor shall they in any manner hold themselves out to be employees of CLIENT,
Paradigm Direct, LLC or AT&T Wireless Services.

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XII.  ARBITRATION
1) Agreement - all differences between CLIENT and TELEMARKETER on which an
agreement cannot be reached will be decided by arbitration. The arbitrators will
determine the interpretation of the agreement in accordance with usual business
and insurance practices.

2) Method - three arbitrators will decide any differences. The arbitrators must
have no past or present relationship with the parties to this Agreement. One of
the arbitrators is to be appointed by CLIENT and one by TELEMARKETER and these
two will select a third. If the two arbitrators chosen by the parties are unable
to agree on a third, the choice will be left to the American Arbitration
Association (Florida Office).

3) Effect - The decision of the arbitrators will be by majority vote and no
appeal will be taken from it. The cost of the arbitration will be borne evenly
by each party unless the arbitrators decide otherwise.

XIII.  Year 2000 Compliance
TELEMARKETER warrants and represents that TELEMARKETER on which an agreement
cannot be reached will be decided by arbitration. The arbitrators will determine
the interpretation of the agreement in accordance with usual business and
insurance practices.

XIV.  TERM AND TERMINATION
The term of this Agreement shall start on the Effective Date and shall continue
until either party provides the other with 30 days written notice of
termination. In the event that TELEMARKETER does not meet the performance
expectations set forth in Schedule A and all other scheduled attached, CLIENT
reserves the right to terminate, upon seven (7) days written notice, the
Agreement.

CLIENT shall not be obligated to tender any telemarketing program to
TELEMARKETER during the term of this Agreement.

If CLIENT terminates this Agreement for any reason other than a breach by
TELEMARKETER, CLIENT shall pay to TELEMARKETER all a mounts due under this
Agreement through the effective date of such termination; or,

If CLIENT terminates this Agreement due to a breach by TELEMARKETER in the
performance of any of its duties hereunder, CLIENT shall be required to pay
TELEMARKETER only for amounts due for correctly completed services and outbound
telemarketing activity performed for CLIENT, and CLIENT may pursue any other
legal remedy.
<TABLE>
<CAPTION>

Contact Management Solutions, Inc.                            Intercallnet Teleservices, Inc.

<S>                                                           <C>
By:  /s/ Illegible                                           By:      /s/ Paul Cifaldi
     ------------------------------------------------              -----------------------------------------------

Title:      CEO                                               Title:    COO
        ---------------------------------------------                 --------------------------------------------

Date:       3/31/2000                                         Date:     3/31/2000
       ----------------------------------------------                ---------------------------------------------
</TABLE>


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                       Schedule "A" - Program Description
                 AT&T Outbound Customer Service and Verification

Program Description: Intercallnet Teleservices, Inc. ("ITI") will conduct
telemarketing for Contact Management Solutions, Inc. ("CMS") for marketing of
AT&T Wireless Services (the "Program"). The project blue print (the "Project
Blue Print") will be supplied by CMS on behalf of it's clients to ITI. The
program will require a second party verification. This means that a third party
verification service, supervisor, or independent person from the sales force
must read the provided verification script provided in the Project Blue Print.

Scripting: The script for the program will be included in the Project Blueprint.
The script may not be altered by ITI without prior written authorization from
CMS. If the customer declines this offer, the agent will determine whether or
not the objection is related to the rate plan, premium or other reason. From
here the agent will be able to navigate to either rate plan flex offer or a
supplemental premium offer. In addition, agents will be provided with Q&A
handouts with information to support customer questions and non-standard
rebuttals. The opening presentation may be conversational. The script may not be
altered without prior written authorization.

Calling List: CMS will provide ITI calling lists for dialing for the Program.
CMS shall perform an internal "do not call" scrub on the list provided. CMS is
responsible for scrubbing costs associated with preparing the files for calling
pursuant to client's specifications which specifications may include but may not
be limited to, existing customers, client demographics or pre-screening.

Training: Training materials shall be provided in the Project Blue Print. CMS
will provide initial onsite training of ITI personnel, which training at a
minimum consists of CMS's training of ITI's shift supervisors and ITI's training
personnel.

Volume: The Program will begin with no less than ** hours per day of calling
time and increase based on the performance standards set forth in the Project
Blue Print. ITI will provide call hour projections to CMS on a monthly basis, no
later than the last Monday of the month prior to calling.

Hours of Operations: ITI is responsible for dialing during hours which are
permitted by law. ITI may not dial during hours not permitted by law.

Order Output: Daily Hours, Rep Hours, and Disposition files will be provided by
ITI to CMS in accordance with the Project Blue Print. All such files must be
received by CMS no later than 11:00am EST the day following the calling date.

Reports: All reports in accordance with the Project Blue Print as well as daily
calling reports in the template provided via fax shall be completed in
accordance with the provision of the Project Blue Print. ITI shall provide daily
reports electronically to CMS as follows:

A)       At leads two flash reports from the calling center - the first one by
         3:00pm EST and the second one by 12:00am EST.

B)       A calling report of the previous day's calls to be received by CMS by
         10:00am EST the following day.

C)       To the extent that CMS's reporting requirements change, it will notify
         ITI in writing.

Performance Expectations and Operational Targets for Non Pre-Approved:
---------------------------------------------------------------------

     o  SPH per Rep:                    *CONFIDENTIAL TREATMENT REQUESTED*
     o  Conversation Rate:              *CONFIDENTIAL TREATMENT REQUESTED*

Pricing:  Pricing is for Non Pre-Approved on a sale basis as follows:
-------
                                      Base
Local PCS Under **         month           *CONFIDENTIAL TREATMENT REQUESTED*
Local PCS Over  **         month           *CONFIDENTIAL TREATMENT REQUESTED*

Performance Expectations and Operational Targets for Pre-Approved:
-----------------------------------------------------------------

         o  SPH per Rep:                    *CONFIDENTIAL TREATMENT REQUESTED*
         o  Conversation Rate:              *CONFIDENTIAL TREATMENT REQUESTED*

Pricing:  Pricing is for pre-approved on a per sale basis as follows:
-------
                                      Base
                                      ----
Local PCS Under **     per month            *CONFIDENTIAL TREATMENT REQUESTED*
Local PCS Over  **     per month            *CONFIDENTIAL TREATMENT REQUESTED*

Pricing: Pricing for certain test projects mutually agreed to by the parties
shall be at the rate of *CONFIDENTIAL TREATMENT REQUESTED* per hour unless
otherwise mutually agreed to by the parties.

                       *CONFIDENTIAL TREATMENT REQUESTED*

                          MATERIAL FILED SEPARATELY
<PAGE>


Incomplete Data: Any sales submitted by ITI that are returned for incomplete
data after the inability to complete or correct within 48 hours, s hall be
charged back to ITI at the rate of *CONFIDENTIAL TREATMENT REQUESTED* per sale.
Any severe errors found in the verification (WAV files) process and WAV files
not posted within the required time frame will be charged back to ITI at the
rate of *CONFIDENTIAL TREATMENT REQUESTED* per WAV file.

Incentive compensation: As incentive compensation to ITI Sales Representatives
Paradigm will pay on a per sale basis additional compensation as follows:

Local PCS Under **     per month            *CONFIDENTIAL TREATMENT REQUESTED*
Local PCS Over  **     per month            *CONFIDENTIAL TREATMENT REQUESTED*

This incentive is for the reps making the sales and not for payment for any
other aspect of the program.

Non-Solicitation:  AT&T Wireless Services and Paradigm Direct, LLC.
----------------

<TABLE>
<CAPTION>

Contact Management Solutions, Inc.                            Intercallnet Teleservices, Inc.
<S>                                                            <C>
By:   /s/ Michael Kirkovich                                   By: /s/ Paul Cifaldi
     ------------------------------------------------            -----------------------------------------------
Name:     Michael Kirkovich                                   Name:   Paul Cifaldi
Title:    CEO                                                 Title:  COO
</TABLE>



                       *CONFIDENTIAL TREATMENT REQUESTED*

                            MATERIAL FILED SEPARATELY

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